About Schufa IdentCheck
General information about Schufa IdentCheck
Popular with customers, risky for the merchant: Payment methods such as direct debit or purchase on account involve a high level of default risk. Computop Paycontrol, an automated credit rating with all standard credit agencies, combines flexibility and payment security for online business.
With Paycontrol you can, amongst other things, automatically obtain information from Schufa without having to connect your shop system to individual information interfaces.
Schufa has a database of information about 62 million German citizens which you are entitled to access in the interests of fraud prevention if there is a payment credit risk. Schufa IdentCheck allows you to check names, addresses and dates of birth.
| Logo |
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| Info | Schufa address and credit rating data contains 66 million points of data concerning individuals and 462 million other information points, derived mainly through cooperation with banks. |
| Type | Risk Management |
Further information can be found on the webpage of Schufa (https://www.schufa.de/en/).
Process flow chart
Paygate interface
Format Description a alphabetical as alphabetical with special characters n numeric an alphanumeric ans alphanumeric with special characters ns numeric with special characters bool boolean expression (true or false) 3 fixed length with 3 digits/characters ..3 variable length with maximum 3 digits/characters enum enumeration of allowed values dttm ISODateTime (YYYY-MM-DDThh:mm:ss) Abbreviation Description CND condition M mandatory O optional C conditional Notice: Please note that the names of parameters can be returned in upper or lower case.Definitions
Data formats
Abbreviations
Comment If a parameter is mandatory, then it must be present If a parameter is optional, then it can be present, but it is not required If a parameter is conditional, then there is a conditional rule which specifies whether it is mandatory or optional
Calling the interface
To carry out a Schufa IdentCheck via a Server-to-Server connection, please use the following URL:
https://www.computop-paygate.com/SchufaIdentDirect.aspx |
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter. The following table describes the encrypted payment request parameters:
| Key | Format | CND | Description |
|---|---|---|---|
ans..30 | M | MerchantID, assigned by Computop. Additionally this parameter has to be passed in plain language too. |
| Key | Format | CND | Description |
|---|---|---|---|
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| Key | Format | CND | Description |
|---|---|---|---|
an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here: |
Key | Format | CND | Description |
|---|---|---|---|
| OrderDesc | ans..768 | M | Description of goods and prices. Intended purpose on the statement of account. |
| FirstName | ans..32 | M | First name of check subject |
| Surname | ans..32 | M | Surname of check subject |
| Birthdate | ans..10 | O | Date of birth in the format <DD.MM.YYYY> |
| AddrStreet | ans..32 | M | Street name of check subject |
| AddrZip | n..5 | M | Postcode of check subject |
| AddrCity | ans..32 | M | Town/city of check subject |
| MatchFirstname | n..3 | O | Percentage. Specifies how high the concordance of the first name must be. The identity is not confirmed if a minimum value is not met. |
| MatchSurname | n..3 | O | Percentage. Specifies how high the concordance of the surname must be. The identity is not confirmed if a minimum value is not met. |
| MatchBirthdate | n..3 | O | Percentage. Specifies how high the concordance of the date of birth must be. The identity is not confirmed if a minimum value is not met. |
| MatchAddrStreet | n..3 | O | Percentage. Specifies how high the concordance of the street must be. The identity is not confirmed if a minimum value is not met. |
| MatchAddrZip | n..3 | O | Percentage. Specifies how high the concordance of the postcode must be. The identity is not confirmed if a minimum value is not met. |
| MatchAddrCity | n..3 | O | Percentage. Specifies how high the concordance of the town must be. The identity is not confirmed if a minimum value is not met. |
| CheckEDD | n1 | O | Value 0 or 1. The account number given is checked if the value is 1. Requires the following parameters: Amount, Currency, AccOwner, AccIBAN, AccBank, AccNumber. |
| Amount | n..10 | C | If CheckEDD=1 or CheckCC=1: Amount in the smallest currency unit (e.g. EUR Cent) |
| Currency | a3 | C | If CheckEDD=1 or CheckCC=1: Currency, three digits DIN / ISO 4217 |
| AccNr | n..11 | C | If CheckEDD=1: Account number without spaces. Account numbers in Germany are normally 10 characters long, in Austria they can be up to 11 characters. |
| AccIBAN | n..8 | C | If CheckEDD=1: Sort code without spaces. In Austrian direct debit notes the sort code is normally only five characters long. |
| AccBank | ans..20 | C | If CheckEDD=1: Name of the bank |
| AccOwner | a..50 | C | If CheckEDD=1: Account holder |
| CheckCC | n1 | O | Value 0 or 1. The credit card is checked if the value is 1. Requires the following parameters: CcNr, CcBrand, CcExpiry. |
| CCNr | n..16 | C | If CheckCC=1: Credit card number or pseudo card-number minimum 12 characters, numerical, no spaces |
| CCCVC | n..4 | OC | If CheckCC=1: Card verification number, the last three digits on the signature strip of the credit card. 4 characters in the case of AMEX. |
| CCExpiry | n..6 | C | If CheckCC=1: Credit card expiry date as string (YYYYMM), e.g. 201807 |
| CCBrand | a..22 | C | If CheckCC=1: Card type: AMEX, VISA, MasterCard, DINERS, JCB, CBN, SWITCH, SOLO or Dankort. Please note the spelling! |
| CustmID | ans..32 | C | If CheckCC=1: Customer ID, must be unique for every customer. Used to generate pseudo card-number. |
The following table describes the result parameters with which the Computop Paygate responds to your system
pls. be prepared to receive additional parameters at any time and do not check the order of parameters the key (e.g. mid, RefNr) should not be checked case-sentive
| Key | Format | CND | Description |
|---|---|---|---|
ans..30 | M | MerchantID, assigned by Computop |
| Key | Format | CND | Description |
|---|---|---|---|
| PayID | an32 | M | ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| Key | Format | CND | Description |
|---|---|---|---|
| XID | an32 | M | ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate |
| Key | Format | CND | Description |
|---|---|---|---|
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| Key | Format | CND | Description |
|---|---|---|---|
| Status | a..50 | M | OK (URLSuccess) or FAILED (URLFailure) |
| Key | Format | CND | Description |
|---|---|---|---|
| Description | ans..1024 | M | Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis! |
| Key | Format | CND | Description |
|---|---|---|---|
| Code | an8 | M | Error code according to Paygate Response Codes (A4 Error codes) |
Key | Format | CND | Description |
|---|---|---|---|
| Match | ans..32 | M | Comma-separated percentage values with matches. Please note the order: all, surname, first name, sex, date of birth, street, postcode, town |
| EddStatus | a..30 | C | If CheckEDD=1 has been transmitted: OK or FAILED |
| EddCode | n..8 | C | If CheckEDD=1 has been transmitted: Error code for checking the account details |
| EddDescription | a..1024 | C | If CheckEDD=1 has been transmitted: Description if the account check fails |
| CcStatus | a..30 | C | If CheckCC=1 has been transmitted: OK or FAILED |
| CcCode | n..8 | C | If CheckCC=1 has been transmitted: Error code for credit card payment |
| CcDescription | a..1024 | C | If CheckCC=1 has been transmitted: Further details in case of payment failure |